Some Arthur damage may be covered by insurance, says NS Brokers head

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Greg Bennett
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The Insurance Brokers Association of Nova Scotia says people need to check their policies to see if and how they are covered for storm-related damage, like this in Shelburne, in the wake of post-tropical storm Arthur.

File photo

 

 The Executive Director
 of the Insurance Brokers Association of Nova Scotia says people need to check their policies to see if and how they are covered for storm-related damage from post-tropical storm Arthur.

While cautioning that individual policies are different and that consumers need to contact their broker to discuss specific coverage for their policy, Karen Slaunwhite offered some general guidelines about what is covered by home insurance after a storm like Arthur.

 Coverage would include;

·         Wind related damage caused by a storm

·         Damage to your house, shed or fence caused by fallen trees and depending upon your policy the cost of cleaning up the tree debris may also be covered.  Consumers should contact their insurance broker for specific details for their policy which include deductibles.

·         Roof damage from rain entering through a broken window or a damaged roof is generally covered but may not be covered on some policies so it is important for consumers to contact their insurance broker for details.  The wording of your policy provides the specific coverage for your coverage, your insurance broker can help you with the interpretation of the wording.

·         Loss of freezer contents due to extended power outages can be covered by your insurance policy, consumers should contact their broker to discuss the specific coverage of your policy.

She said that homeowners should try to mitigate any further damage to the property but only if it can be done safely. She also noted that deductibles ranging from $500 to $2,000 may also apply.

 

Organizations: Insurance Brokers Association of Nova Scotia

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